Published April 2014

Inspiring Lifelong Health andWell-being2012–2013 SummaryCorporate Social Responsibility Report

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HEALTHY PLANET

At Humana, we recognize the dynamic link between environmental and human health.

Humana associates have the opportunity to garden at several offices.

People require sound environments to prosper, so we strive to create healthy workplaces for our associates and to respect the natural surroundings where we do business. By minimizing our environmental impact, we can help address global challenges and protect the well-being of our associates, members and communities at large.

Increasing Green Buildings in Our Portfolio In the service industry, one of our biggest opportunities to lessen carbon emissions and increase efficiencies lies in our facilities. We are retrofitting existing owned and leased properties to be more energy and cost efficient. In addition to their environmental benefits, green buildings enhance our associates’ well-being by improving indoor air quality, increasing access to natural light and enhancing access to varied transportation options.

Energy Savings Targets Humana is developing an energy-savings program that will improve interior work environments for associates, reduce energy usage and dramatically reduce our carbon footprint. Phase one of this program, which will commence in 2012, has the following goals:

•Reduceannualenergyconsumptionby10percent(bytheendof2012, from 2009’s baseline consumption) across our portfolio of owned properties

•Reducegreenhousegasemissionsby10percent(bytheendof2012,from 2009’s baseline consumption)

•Reduceannualenergyexpensebymorethan$1million(bytheendof 2012, 10 percent of 2009’s baseline)

ENERGY STAR® Facilities Fourteen of our 35 owned facilities — including our headquarters in Louisville, Ky. — are certified by ENERGY STAR®, an energy-efficiency initiative of the U.S. Environmental Protection Agency (EPA) and U.S. Department of Energy. To qualify for certification, a building must score in the top quarter of the EPA’s National Energy Performance Rating System.

For example, Humana’s De Pere, Wis., building earned this distinction in 2009. Constructed in 1981, it comprises almost 360,000 square feet — the size of six-and-a-half football fields — and since 1991 has achieved a 32 percent energy-efficiency increase, along with associated cost savings.

ALTERNATIVE TRANSPORTATION IN LOUISVILLE

Since 2007, we have partnered with Louisville’s Transit Authority of River City to allow associates to ride city buses and trolleys for free. This program eases parking shortages, reduces air pollution and provides associates with a transportation option and its benefits.

ASSOCIATE ENGAGEMENT Humana associates play an incalculable role in supporting our Healthy Planet platform. Some offices have Green Teams that encourage participation in our environmental stewardship. This grassroots effort enables associates to take leadership roles, pursue creative solutions and build the morale of their peers.

Inspiring Lifelong Health and Well-BeingIn our third Corporate Social Responsibility (CSR) report, we aim to illustrate how our CSR efforts —Healthy People, Healthy Planet, Healthy Performance—reflect our commitment to improving the health and well-being of our associates, our members, the communities we serve and our planet.

At its core, our business is about partnering with people to help them achieve their best health. From this report, we hope you conclude that we are making progress in our business and social purpose objectives. We welcome your feedback on how we’re doing, and we invite you to share with us how we can help you on your path to a long, healthy life.

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Humana has been working to help people live healthier lives since it was founded 53 years ago. As a company whose primary focus is on the well-being of the people we serve, Humana is going beyond health insurance to partner with people in their health.

To help fulfill our dream of helping people achieve lifelong well-being, Humana associates live these values:

• Inspire Health: We inspire health by making conscious choices every day and motivating others with our positive example. We care about each other and actively contribute to an environment of well-being.

• Cultivate Uniqueness: We find ways to connect with each other and our customers. Respecting one another, listening with an open mind, and seeking different perspectives result in richer solutions.

• Rethink Routine: Innovation emerges from a culture that cultivates curiosity. We spark creativity by challenging ourselves to think differently.

• Pioneer Simplicity: We make life easier and believe that less can be more. When we empower associates with responsibility, we are able to create an agile organization and an exceptional experience.

• Thrive Together: We focus on shared success by breaking down silos, inviting collaboration and mentoring others. We believe in, and act with, positive intention to create an environment of trust and integrity.

Humana Inc. (NYSE: HUM), headquartered in Louisville, Ky., with 52,000 associates across the nation (including such businesses as Concentra®, Humana Cares® / SeniorBridge®, and other subsidiaries), is a leading health care company that offers a wide range of insurance products and health and wellness services that incorporate an integrated approach to lifelong well-being. By leveraging the strengths of our core businesses, Humana believes we can better explore opportunities to further enhance wellness opportunities for the millions of people across the nation with whom we have relationships.

Company Profile

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Our business units deliver a range of products and services to help people live their best lives. In addition, our commer-cial and military health insurance and Medicare plans serve all types of individuals, families, seniors, disabled people, servicemen and women, and military veterans.

2012-2013 DONATIONS AND COMMUNITY INVESTMENTS:

$21.2 million

As the philanthropic arm of Humana, the Humana Foundation supports nonprofits that deliver social impact and promote healthy lives and communities.

The Foundation’s giving centers on three priority areas: childhood health, intergenerational health and active lifestyles.

More specifically, the Foundation supports efforts that encourage healthy behaviors and healthy relationships. Organizations we support include:

• Big Brothers Big Sisters of Kentuckiana (Ind. and Ky.)

• ElderServe (Louisville, Ky.)

• KaBOOM! (Nationally)

• Ochsner Clinic Foundation (New Orleans)

• YMCA of Greater Kansas City (Kansas City, Mo.)

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CSR: Humana’s ApproachOur dream to help people achieve lifelong well-being powers our commitment to corporate social responsibility (CSR) through three areas of concentration: Healthy People, Healthy Planet, Healthy Performance. To bring these pillars of our CSR platform to life, we continually work to:

• Assess and enhance our existing CSR endeavors

• Establish new metrics and benchmarks to measure our environmental and social impacts and progress

• Review and strengthen our ethics and governance policies

• Offer associates a variety of volunteer opportunities

Our CSR endeavors involve many stakeholders, including our CSR Stewards and CSR Council — Humana associates who provide strategic guidance across our CSR areas of focus. These associates are committed to facilitat-ing a connection from Humana’s day-to-day business operations to the company’s CSR efforts, associates, customers, nonprofit partners, share-holders, suppliers and a cross-section of other external influencers.

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Helping people live healthier lives — that’s at the heart of our business. At Humana, we not only work to inspire people to take an active role in their overall well-being, we partner with them on experiences that lead to better health outcomes and a chance for a more fulfilling life.

We assist and support our associates and approximately 12 million-plus members across the nation as they strive to live healthier — to eat right, stay active and exercise their bodies and their minds, at home, at work and in their communities.

We concentrate our Healthy People efforts on three key populations: our associates, our members and our communities.

Healthy People

HumanaVitality® HumanaVitality is an incentive-based program that integrates rewards with healthy behaviors, such as obtaining preventive screenings, exercising, quitting smoking, donating blood or getting CPR-certified. By receiving Vitality Points for each healthy activity, HumanaVitality members can achieve different Vitality Status™ levels (Blue, Bronze, Silver, Gold and Platinum) and receive reward opportunities at each level. We also see this program as an opportunity to encourage other companies to invest in employee health.

National Council of La Raza Viviendo Saludable Pilot Diabetes is a serious health problem in the U.S., especially among Hispanics, with 2.5 million Hispanic adults ages 20 and older diagnosed as having the condition. In 2012, Humana and the National Council of La Raza (NCLR) launched a pilot study to test the community health worker approach to helping Hispanic seniors with Type 2 diabetes better manage their disease.

In San Antonio, 10 community health workers were charged with educating 100 participating senior citizens on the disease and how to manage it. Initial findings from the pilot illustrated that the combination of community health workers and a culturally tailored diabetes self-management program are effective tools for improving Hispanic diabetic seniors’ health outcomes.

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100-Day Dash Humana associates stepped it up in the company’s 2013 100-Day Dash, our effort to encourage associates to wear pedometers and, for 100 days, challenge themselves and one another to take steps and improve their health and well-being.

In 2012, nearly 12,000 associates — Dashers, as they were dubbed — logged 5.7 billion steps during the event, the equivalent of walking around the earth 112 times. In 2013, that pace accelerated as associates beat the 2012 mark by 26 percent, logging 7.2 billion steps.

Team Up 4 Health In an effort to address chronic illnesses such as heart and kidney disease, cancer and diabetes, Humana partnered with Microclinic International, a global health nonprofit. Together, we created Team Up 4 Health, a pilot health-and-wellness program in Humana’s backyard of Bell County, Ky. The county was selected based on its need for such a program (one-third of county residents were obese and one in eight had Type 2 diabetes) and its residents’ enthusiasm for a fresh approach to chronic disease management and prevention. The mission of Team Up 4 Health is simple: create a local system that empowers small groups of people to influence each other and their community in adopting healthy behaviors that can prevent chronic diseases. Over two years, 750 participants made sustainable health improvements through the program.

KaBOOM! As a reflection of our commitment to multi-generational health, Humana and the Humana Foundation are working with KaBOOM!, a nonprofit that aims to create a safe and active play space within walking distance of every child in America. Humana has teamed up with KaBOOM! to build more than 50 playgrounds in dozens of underserved neighborhoods across the country by the end of 2014.

The playgrounds — many of which are intergenerational and equipped with walking trails and gardens, in addition to traditional playground equipment — are being built by Humana volunteers, community members and KaBOOM! partners.

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A healthy planet is important to Humana because we believe there is an intrinsic link between the health of our planet, our business and the services we provide.

Specifically, we acknowledge that climate change poses a serious challenge to our natural environment and impacts the health and well-being of those we serve. This is one of the reasons we have been a part of the Business Roundtable’s Climate RESOLVE (Responsible Environmental Steps, Opportunities to Lead by Voluntary Efforts) initiative and publish a letter of progress in its annual sustainability report. Climate RESOLVE promotes voluntary actions to control greenhouse gas (GHG) emissions and improve the GHG intensity of the U.S. economy.

Environmental Goals

In 2013, we set environmental targets including net reduction of waste and energy use. We assigned timing elements to each of these efforts in order to reduce our environmental footprint in an accountable, sustainable manner.

Healthy Planet

By the end of 2015, Humana will achieve:

5% reduction in annual energy consumption from 2013’s baseline consumption across our portfolio of owned and leased properties under vendor management

5% decrease in greenhouse gas emissions from 2013’s baseline emissions across our portfolio of owned and leased properties under vendor management

40% diversion rate of waste to landfill, via reduction and recycling efforts at our portfolio of sites where Humana and its vendors manage waste and recycling services

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Supply Chain Sustainability

Humana works with our suppliers by identifying opportunities to collaborate and improve our environmental sustainability. Our assessment has also identified areas of opportunity to collaborate throughout our supply chain in order to cut costs and minimize environmental impacts. Examples of such efforts include:

• Using efficient shipping and eco-friendly packaging associated with pharmaceuticals, medical devices and office supplies

• Reducing consumption and increasing recycling efforts in conjunction with external print suppliers

• Devising ways to retrieve and recycle or refurbish end-of-life items and packaging

• Partnering with suppliers to manage inventories

• Researching alternative materials, products, equipment and processes with lower life-cycle impacts

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Healthy PerformanceAt Humana, our principles remain constant — and have since the company’s founding in 1961: dedication to ethical practices; pursuit of excellence; belief in the power to make a difference for our associates, members, customers, stakeholders and communities; a commitment to associate training and education; and strict adherence to the principles of good governance. These standards come to life in the following ways:

• Our ethics and compliance strategy• Our inclusion and diversity initiatives • The training and development we provide our associates• Our governance model• The standards of performance and accountability to which we

hold ourselves and our suppliers • The external recognition we receive

Ethics & ComplianceAs a health care company, ethics must be at the center of Humana’s business. Our strong ethics and compliance program provides guidance to and monitoring of all areas of the business.

To maintain strong ethical standards throughout our business, Humana’s Compliance team aims to:

• Provide pragmatic guidance for complying with regulatory requirements

• Monitor and develop proactive controls around compliance• Manage Humana’s relationships with regulatory agencies

Inclusion & DiversityDiversity within our own organization isn’t just a business imperative; it’s a mindset that enables us to create a work environment where associates feel welcome and safe to be their true selves. Diversity is the abundance of experiences and perceptions — the unique characteristics, backgrounds and beliefs of our associates—that drive the innovative, strategic thinking that gives Humana our competitive edge in the marketplace.

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Supplier Diversity To facilitate a diverse supplier base that reflects the diversity of our associates, our customers and the communities we serve, we identify procurement opportunities and maximize participation of approved suppliers, including minority-owned enterprises; woman-owned enterprises; small-business enterprises; lesbian, gay, bisexual, transgender enterprises and businesses owned by disabled people.

External RecognitionOver the past several years, our commitment to ethical and sustainable practices has been recognized by a variety of prominent organizations. We know much work lies ahead; acknowledgment from these organizations provides extraordinary encouragement to our associates and members to continue to build upon our success.

Carbon Disclosure Project: Since 2007, Humana has provided information on our carbon-reduction efforts in the Carbon Disclosure Project (CDP). Humana received an 80 percent ranking on the CDP Leadership Index for our 2012 data. In 2013, we improved and received a score of 83 percent for the depth and comprehensiveness of our disclosure.

Dow Jones Sustainability Indices: Humana has been recognized by the The Dow Jones Sustainability Indices (DJSI) for seven consecutive years. Humana was recognized on both the DJSI World and DJSI North America Indices in 2013. We scored the top mark among health care companies in areas such as responsible marketing practices and risk-and-crisis management in 2013, for which we earned the distinction of sector leader.

FTSE4Good Index: This index series was designed to objectively measure the performance of companies that meet globally recognized corporate responsibility standards. In 2013, Humana earned an overall Environmental, Social, Governance (ESG) rating of 3.8 on a 5-point scale, and a Supersector Relative ranking of 83 of 100. We first appeared on the FTSE4Good Index in September 2009.

Human Rights Campaign: The Human Rights Campaign (HRC) releases an annual index that analyzes and rates large U.S. employers on their policies and practices in support of lesbian, gay, bisexual and transgender employees. Humana earned scores of 90 and 100 on the HRC’s 2012 and 2013 Corporate Equality Indices, respectively.

Newsweek Green Rankings: In the Newsweek Global Green Rankings, companies were ranked by their overall Green Score, derived from three component scores: the Environmental Impact Score, the Green Policies Score and the Reputation Survey Score. In 2012, the final year of the ranking, Humana finished 72nd among the 500 largest U.S. public companies. And Humana ranked 143rd among the 500 largest global companies.

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